Italian banks are terrible. Lots of fees, they don't pay interest at all, and the hours are ridiculous. Most stores are open from something like 8:30/9 - 12:30, then 15:30 to 19:30. With banks it's along the lines of 8:00 - 13:00, 15:00-16:00 or something odd like that. Ours raised the interest rates on us the day before we were supposed to sign the paperwork for our mortgage.